1200 Cardinal St, Kill Devil Hills, NC 27948 Property Records

Dare County property record for 1200 Cardinal St, Kill Devil Hills, NC 27948

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1964
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Aug 2025)
Tax Bill	$2,210 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`988312863234`

Property Details

APN / Parcel Number

Primary APN	`988312863234`
Alternative APN	`004457000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,064 sqft Finished Area
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Bungalow
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	988312863234
Street Address	1200 CARDINAL ST
City	KILL DEVIL HILLS
State	NC
Zip	27948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 1 BLK: 30 SEC: PL: 2 SL: 18
Legal Subdivision	KILL DEVIL HILLS REALTY CORP
Legal Block	30
Legal Lot Number	1
Legal Unit	1
Jurisdiction	DARE NC
Township / Civil Division	ATLANTIC
Census Block Group	1
Census Block	1048
Census Tract	970302

Owner

1200 Cardinal St is owned by two individuals who bought it in August 2025.

Source: Dare County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1304 DANDY LOOP RD, YORKTOWN, VA 23692-4540
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Jan 13, 2022	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Jun 12, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2025 · Amount on File
Deed Sale	Aug 13, 2025 · Amount on File
Prior Sale	Jan 13, 2022 · Amount on File
Deed Document Number	2025700151758
Deed Book / Page	2804 / 745
Prior Transfer Date	Apr 15, 2020
Prior Transfer Doc	002382/917
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DARE NC
Property Address	1200 CARDINAL ST, KILL DEVIL HILLS, NC 27948
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 DANDY LOOP RD, YORKTOWN, VA 23692-4540

Mortgage

Document Number	002804/748
Date	Aug 13, 2025
Book Page	2804/748
Instrument	700151759

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	10 JUNIPER TRL # B, SOUTHERN SHORES, NC 27949

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	5-Year CMT
Max Rate	12.2%

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	DARE NC
Recording Date	Jan 13, 2022
Property Address	1200 CARDINAL ST, KILL DEVIL HILLS, NC 27948
Document Number	0002582/76
Book / Page	2582 / 76
Map Reference	MB 2 PG 18
Instrument Date	Jan 10, 2022
Instrument	700111808
Transaction Type	Transfer
Record Updated	Jan 27, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	756 MOUNT HERMON CHURCH RD, 756, ELIZABETH CITY, NC 27909-7906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8266 MOONLIGHT RD, SMITHFIELD, VA 23430-5213

Mortgage

Document Number	0700111809
Date	Jan 13, 2022
Instrument	700111809

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DARE NC
Recording Date	Jun 12, 2020
Property Address	1200 CARDINAL ST, KILL DEVIL HILLS, NC 27948
Document Number	2382/917
Book / Page	2382 / 917
Map Reference	MB 2 PG 18
Instrument Date	Apr 15, 2020
Instrument	700078991
Transaction Type	Transfer
Record Updated	Sep 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	756 MOUNT HERMON CHURCH RD, ELIZABETH CITY, NC 27909-7906

Mortgage

Document Number	700078992
Date	Jun 12, 2020
Instrument	700078992

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 1200 Cardinal St was $2,210.

Source: Dare County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Dare County
Municipality	Kill Devil Hills Town
Unified School District	Dare County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,210.00	$407,000 (-) Land $162,900 Building $244,100	$407,000 Land $162,900 Building $244,100
2025	$2,210.00	$407,000 Land $162,900 Building $244,100
2023	$1,566.00	$207,300 Land $82,500 Building $124,800
2020			$407,000 Land $162,900 Building $244,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1200 Cardinal St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective May 11, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 190 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	290 units insured incl. 100 condo units
Nearby Flood Claims	22 (2003–2018)
Claims Outside the SFHA	9 of 22
Most Recent Claim	Oct 2018 · Tropical Storm Michael
Claims by Event	Tropical Storm Michael, Oct 2018 · 6 claims Hurricane Matthew, Oct 2016 · 5 claims Hurricane Irene, Aug 2011 · 7 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1200 Cardinal St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF KILL DEVIL HILLS serves 7,200 people · EPA ID NC0428015
Water Source	Purchased groundwater from DARE COUNTY WATER SYSTEM
Last State Inspection	Apr 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Ripple Fiber, T-Mobile.

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